Insurance

Buildings Guard provides you with a wide range of protection. You can also choose to include wider accidental damage.

Buildings Guard Standard

Here's a brief list of whats covered in our standard Buildings Guard policy, for the extensive list of what's covered and exclusions that apply please see the policy booklet below.

	What's insured

	Fire		Explosion		Lightning
	Smoke damage		Escape of water/oil		Earthquake damage
	Falling aerials, satellite dishes & fittings		Riot, civil commotion, labour disturbances		Malicious persons & vandalism
	Storm or flood damage		Subsidence, heave & land slip		Theft or attempted theft
	Accidental damage to underground service pipes & cables		Breaking into and repairing pipes from main sewer to house		Breakage of glass, sanitary fittings & ceramic hobs
	Damage to fixed domestic water & heating installations		Cost of alternative, comparable accommodation		Cover during sale for purchaser
	Re-instatement of title deeds following loss or damage		Impact by aircraft, aerial devices, vehicles, animals, falling trees or branches		Owner's liability

Accidental Damage Cover

In addition if you take out accidental damage cover you will be covered for all of the above and the buildings will be insured against accidental damage.

Limits

• Buildings - Rebuilding value of your home
• Third party liability £1,000,000

Exclusions

What's not insured:

• Wear, tear and depreciation or faulty workmanship.
• Gradually occurring events.
• Storm damage to gates, fences and hedges.
• Subsidence damage to paths and gardens where your home is not affected at the same time

Excesses

• First £50 for all claims (unless otherwise stated).
• First £1,000 for subsidence, heave and landslip claims.
• First £250 for theft, vandalism, accidental damage and escape of water / oil claims where the property is unoccupied/unfurnished for 31-90 days.
• First £500 for theft, vandalism, accidental damage and escape of water / oil claims where the property is unoccupied/unfurnished for 91 days to 12 months.

For full details of the cover provided, please see the policy booklet.